Ford Fusion Hybrid Insurance Quotes in Colorado Springs

The recommended way to get low-cost Ford Fusion Hybrid insurance in Colorado Springs is to start comparing rates regularly from insurers in Colorado. Rates can be compared by following these steps.

• First, learn about policy coverages and the modifications you can make to keep rates in check. Many risk factors that increase rates such as at-fault accidents, careless driving, and poor credit history can be amended by being financially responsible and driving safely.
• Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers. Click to view companies
• Third, compare the new rate quotes to the price on your current policy to see if cheaper Fusion Hybrid coverage is available in Colorado Springs. If you find better rates, verify that coverage does not lapse between policies.

A good tip to remember is that you’ll want to compare the same deductibles and limits on each quote request and and to get price estimates from every company you can. This guarantees a fair price comparison and a thorough price selection.

Remarkably, a study showed that most insurance policyholders kept their policy with the same company for four years or more, and nearly the majority have never even compared quotes to find affordable rates. Colorado Springs drivers could save $605 each year by just comparing rate quotes, but they just don’t want to find affordable rates by getting comparison quotes.

All major auto insurance companies like State Farm and Allstate allow you to get insurance quotes from their websites. The process is fairly straightforward as you just type in your required coverages into a form. After the form is submitted, their quoting system makes automated requests for your driving and credit reports and returns pricing information determined by many factors.

Being able to quote online for Ford Fusion Hybrid insurance in Colorado Springs helps simplify price comparisons, and it is imperative to get many rate quotes if you are searching for the best rate.

In order to compare rates now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you type in your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving comparison quotes based on the exact same insurance coverage.

The companies shown below offer price comparisons in Colorado Springs, CO. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get the best price comparison.

Slash your insurance rates with these five discounts

Insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. Many discounts should be triggered when you quote, but occasionally some discounts must be requested specifically prior to receiving the credit.

• Cautious Drivers – Accident-free drivers can save up to 40% or more on their Colorado Springs auto insurance quote than drivers with accident claims.
• Save with More Vehicles Insured – Buying coverage for multiple vehicles on one policy can reduce the rates for all insured vehicles.
• Early Renewal Discounts – A few larger companies allow discounts for buying a policy before your current Fusion Hybrid insurance policy expires. It can save you around 10%.
• Claim Free – Drivers who don’t have accidents can save substantially when compared with policyholders that have many claims.
• Bundle and Save – If you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The chart below illustrates the comparison of Ford Fusion Hybrid insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no claims or driving citations, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, homeowner, and multi-car discounts applied.

Companies and the discounts they provide are shown below.

• State Farm discounts include student away at school, accident-free, driver’s education, passive restraint, safe vehicle, Drive Safe & Save, and defensive driving training.
• Esurance offers premium reductions for defensive driver, claim free, renters, good student, safety device, and online quote.
• Progressive has discounts for multi-policy, online signing, good student, homeowner, and multi-vehicle.
• Liberty Mutual includes discounts for new vehicle discount, exclusive group savings, multi-car, preferred payment discount, and teen driver discount.
• Auto-Owners Insurance may offer discounts for safe vehicle, paperless, teen driver, paid in full, group or association, and anti-theft.
• GEICO offers discounts including membership and employees, driver training, anti-lock brakes, daytime running lights, anti-theft, multi-vehicle, and good student.

When quoting, ask each insurance company to apply every possible discount. All car insurance discounts may not be offered in Colorado Springs.

Rates and other information

The rate table shown below outlines a range of insurance rates for Ford Fusion Hybrid models. Having knowledge of how car insurance premiums are calculated can help customers make smart policy decisions.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle garaging location which can revise premium rates noticeably.

Analysis of deductible levels

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The tables below outline the differences in premium rates when you choose different policy deductibles. The first data set uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle garaging location which can revise rates substantially.

We can derive from the above data that using a $100 deductible costs about $30 more each month or $360 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claims, you would probably be better off going with the higher deductible.

The chart below illustrates how your choice of deductibles and can influence Ford Fusion Hybrid premium costs for each different age category. The costs are based on a married female driver, full coverage, and no other discounts are factored in.

Irresponsible driving raises your rates

The information below shows how violations and at-fault fender-benders can influence Ford Fusion Hybrid insurance premiums for different age groups of insureds. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Annual premiums comparing men and women in Colorado Springs

The information below compares Ford Fusion Hybrid insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Do you need full coverage?

The illustration below visualizes the comparison of Ford Fusion Hybrid annual premium costs when comparing full coverage to state minimum liability only. The data is based on no violations or accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive formula for phasing out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Ford Fusion Hybrid replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are paying more than $300 a year to have full coverage, then it could be time to drop full coverage.

There are a few situations where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.

Ratings for Colorado auto insurance companies

Choosing a high-quality company can be rather challenging considering how many companies there are to choose from in Colorado. The ranking data in the next section can help you choose which providers you want to consider when looking for cheaper rates.

Top 10 Colorado Springs Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%